Ohio Individual Health Insurance Made Simple
If you are self-employed or are not offered Ohio individual health insurance through
your company you are among the 14% of Americans who need to buy individual Ohio health insurance. Why is it that you will need to have this? Because the Affordable Care Act has been passed in the Supreme Court and now all Americans must have health insurance starting January 1, 2014. How are there only 14% in your situation? Because 57% of Americans are offered insurance through their employers and the remaining 29% are covered through Medicaid.The hard thing you may find is that since you will be applying for individual health insurance, just as a family or single person, the insurance company will look into your complete medical history in detail. If they see anything irregular or any pre-existing conditions such as high blood pressure, cancer, or asthma you will most likely be denied coverage. Once you are denied coverage through an insurance company, it will be much harder, if not impossible to be approved the next time you apply. The reason that this is different than being on a group plan is because if you were on a group plan the policy is written for the group not for each individual family looking for Ohio health insurance. Insurance companies have to make sure that by agreeing to provide coverage for you, they will not loose money.
How does a pre-existing condition effect a providers decision to approve you? If you have a pre-existing condition that will cost the insurance company more money than the total amount they will receive through your yearly premiums than you are more of a risk for them to insure than not, and you will most likely be denied coverage. Some insurance companies do have the option to put a rider on your plan meaning that they will cover you, but will not cover anything related to that pre-existing condition.
Some people find it tempting to try to hide pre-existing conditions. And unfortunately some brokers themselves will tell you that you do not need to put down certain medical conditions on your application. However if they are doing this it is because they are trying to close the deal with you, not because they have your best interest in mind. You must tell the insurance company anything in your medical history when applying for coverage. If you do have a pre-existing condition, starting in 2014 you can be added to state high-risk pool where the premiums are more affordable and one persons premium helps to cover another persons medical expense.
It is very important that you start looking for insurance today before premiums rise. Since everyone has to have Ohio health insurance, by January 1, 2014 it is expected that premiums will rise rapidly before that. Make sure you find a trusted Ohio broker to help you find a plan that works for your family and helps you get in a state high-risk pool if needed.
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